Blog Archive

Saturday, October 5, 2024

 


1. Police  Reform: Theft & Eluding  Disproportionate Response to Crime


           She did not know what to do. The police officer stood in front of her car window with a gun pointed at her head. “Get out of the car,” he says. She is afraid to move her hands from the wheel. They say keep your hands on the wheel so the police can see them. He tells her again to get out of the car. She asks why he wants her to get out of the car.


         The police officer tells her because there was a theft at the store. She says she did not do that and begins to slowly move her car away.  Another police officer deliberately steps in front of the car and fires into the car, killing Ta'kiya Young age 21, and her unborn daughter and she leaves two boys without a mother. The boys could possibly become orphans and wards of the state, a prime example of generational destruction.


          The alleged theft at the Kroger store was a bottle of alcohol valued most likely at approximately 30 dollars. The killing for this theft is excessive. Moreover, it is the result of  police use of lethal force laws (Graham vs Connor) for any reason they deem necessary. 

    We need to match the arrest process to the alleged crime.  We can change to mirror Norway policing practices where there are no police killings or killings of police. We must repeal lethal force laws, increase training from 21 months to 3 years and we must provide police with non-lethal weapons.


     A police officer shoots and kills a teen for stealing a pair of sunglasses from a big box department store. This is a clear example of the need to repeal lethal force laws. Stealing a $300 pair of sunglasses might carry a misdemeanor penalty (petty theft). The penalty can range from fines and restitution, probation or community services hours. 


          Theft whether it is grand theft (over $500), armed robbery, burglary, smash and grab is the taking of property that belongs to another.  Theft at a certain level could lead to jail or prison from one year to over 20 years, but not the death penalty.


      The lethal force law (Graham vs Conner) has no response filter, only one action and that is to kill.  We do not need the very people whose actual role is to prevent crime and protect citizens to have any right to kill when they think it is necessary, or for that matter at all.  That is a crime, that is murder.  Persons fleeing from police have been shot 16 times, 46 times, 12 times and most recently 96 times and police have taken deliberate and planned headshots. This is excessive force murder when the crime does not call for the death penalty and often the police do not know if that  person has actually committed a crime.

     After all, why have the police if all they are just going to do is drive up and shoot. Any person with a gun can do that.  We expect the police to be able to bring a person to justice in a court of law as they are innocent until proven guilty under this country’s judicial system. The question remains: did Ta’kiya Young steal a bottle of alcohol? We see no evidence of that. Is she on the store's surveillance camera stealing the bottle of alcohol?  Was the bottle of alcohol found in her car or any other stolen item? She did not get her chance in court to respond to these accusations.


    Moreover, shooting and killing people does not stop theft. The police, the community, and all businesses must look at thefts and determine what action can give us the outcome we expect from activities used to prevent theft.


       We need to look at the various factors contributing to theft in America.  People steal for various reasons, but some of the most common ones are economic hardship, emotional or physical void, low self-esteem, peer-pressure, jealousy, or greed.  Some people steal to survive or to meet a basic need, while others steal for the thrill, to fill a gap in their lives, or to harm others. Stealing can also be influenced by social factors, such as feeling excluded or deprived.


        The community, the police, business, and the government must form a coalition and take a look at theft in this country and come up with a comprehensive anti-theft plan for all 

stakeholders (without the police or anyone else killing anyone).  For home break ins, FBI data indicate there were 903, 627 counts of burglary. Most residential burglaries happen during the day between 10 am and 3 pm. A person is home 27% of the time and someone is injured 7.2% of the time. Thieves steal jewelry, watches, wallets, cash, electronics, prescription drugs, cars and auto parts, clothes, furniture, bicycles. Property stolen in the US is around $971 million with only $54 million recovered. 


        Stolen vehicles cost owners over 8 billion dollars due to more than 1 million vehicles on average stolen every year in the USA. Not only do thieves steal your auto, they steal tires, wheels, tailgates, batteries, catalytic converters, airbags, third row seats, registration, garage door openers. If you leave  electronics, sunglasses, keys, smartphones, cash and coins in your car they can also be stolen.


       Shoplifting is a misdemeanor punishable by up to one year in county jail. But if the value of the items that you stole is relatively high (for example, above $2,000), then you could face a felony charge punishable by time in a state prison.


          More than two-thirds of states now treat shoplifting as a misdemeanor. if someone boosts less than $1,000 in goods, and 15 states have raised their limit to $1,500 or more. More than 70% of surveyed retailers reported that shoplifting spiked in their stores after these changes.

     Theft can be caused by wealth inequality and usually intensifies during or after a catastrophic event such as frequent bank robberies in the Public Enemy Era in 1930s,s and the great depression and a pandemic. Disfranchised groups are a factor such as persons participating in organized crime, and looting during an extreme climatic or public disturbance event.   Theft is often an Inflation response and a  moral contract disconnect (thy shalt not steal).

     The likelihood of apprehending shoplifters after the fact is relatively low, as only an estimated 5 to 10 percent of shoplifters are caught. Among those who are apprehended, not all are reported to the police, and even fewer receive sentences, which typically involve fines. Shoplifters are only caught about once out of every 48 times they steal — just over 2% of the time.


     Shoplifting is not a crime where the police need to use lethal force. Ask the person for their drivers license. Ask to search them or their vehicle, but if not tell them that you will see if they are on video engaging in shoplifting, then an arrest team will be sent to arrest them at any time. Their picture will be displayed on TV and on the police webpage, facebook page, on billboards and in the store and in addition they will be banned from certain stores. If they get out and show that they did not shoplift, then they will be let go.  If they did shoplift they will be given a citation to appear in court and if guilty will be fined, make restitution, and/or sentenced to community service.  This is what the community wants police response to be. 


          Moreover, it is concerning when the police captain cavalierly shrugged his shoulders and sanctioned the killing of  Ta'kiya Young and said,"she would not get out of the car after being told to get out multiple times". As a part of the establishment he is championing lethal violence and is sending a message to our young people that it is okay to kill for any reason. This attitude is a contributing factor in enabling violence in our country. Most ominously it is a return to medieval law circumventing the core of our country's justice system - your day in court.


         We want community, police and business response to use AIs and other techware internally and externally to stop theft. No one condones theft as it is costly for all of us.  As we move forward we want modern, smart policing. More training particularly in dealing with suspects who do not get out of the car when instructed or elude police.  More training so that police do not find themselves in split second decision situations like jumping in front of a car, then using it as an excuse to shoot a suspect. 


       With the changes we need to make now, the scenario with Ms. Young would have played out as follows: Stop then ask for license, registration and insurance. Tell her a theft has taken place and ask for permission to search her car for the stolen item. If she refuses, tell her she is going to be arrested and taken to the police station for suspicion of theft. The police person moves to the side. She is told how to get out of the car. If she does not get out, then use a flash smoke bomb projectile launched from the back of her car targeted near not at the suspect. The person should get out and the police person proceeds with the arrest. If the situation becomes more complicated, tag her and tell her to submit to arrest now or a special arrest team will pick her up.


     We can mirror Norway - no police killings or killings of police. We want a certain outcome when there is crime. We want to stop theft of any item period without killing people. that does not stop theft. We can use innovation, smart theft prevention techniques to stop theft, and not a bullet.


Monday, June 29, 2020

An AI Police Force





1. Police  Reform: Theft & Eluding  Disproportionate Response to Crime


           She did not know what to do. The police officer stood in front of her car window with a gun pointed at her head. “Get out of the car,” he says. She is afraid to move her hands from the wheel. They say keep your hands on the wheel so the police can see them. He tells her again to get out of the car. She asks why he wants her to get out of the car.


         The police officer tells her because there was a theft at the store. She says she did not do that and begins to slowly move her car away.  Another police officer deliberately steps in front of the car and fires into the car, killing Ta'kiya Young age 21, and her unborn daughter and she leaves two boys without a mother. The boys could possibly become orphans and wards of the state, a prime example of generational destruction.


          The alleged theft at the Kroger store was a bottle of alcohol valued most likely at approximately 30 dollars. The killing for this theft is excessive. Moreover, it is the result of  police use of lethal force laws (Graham vs Connor) for any reason they deem necessary. 

    We need to match the arrest process to the alleged crime.  We can change to mirror Norway policing practices where there are no police killings or killings of police. We must repeal lethal force laws, increase training from 21 months to 3 years and we must provide police with non-lethal weapons.


     A police officer shoots and kills a teen for stealing a pair of sunglasses from a big box department store. This is a clear example of the need to repeal lethal force laws. Stealing a $300 pair of sunglasses might carry a misdemeanor penalty (petty theft). The penalty can range from fines and restitution, probation or community services hours. 


          Theft whether it is grand theft (over $500), armed robbery, burglary, smash and grab is the taking of property that belongs to another.  Theft at a certain level could lead to jail or prison from one year to over 20 years, but not the death penalty.


      The lethal force law (Graham vs Conner) has no response filter, only one action and that is to kill.  We do not need the very people whose actual role is to prevent crime and protect citizens to have any right to kill when they think it is necessary, or for that matter at all.  That is a crime, that is murder.  Persons fleeing from police have been shot 16 times, 46 times, 12 times and most recently 96 times and police have taken deliberate and planned headshots. This is excessive force murder when the crime does not call for the death penalty and often the police do not know if that  person has actually committed a crime.

     After all, why have the police if all they are just going to do is drive up and shoot. Any person with a gun can do that.  We expect the police to be able to bring a person to justice in a court of law as they are innocent until proven guilty under this country’s judicial system. The question remains: did Ta’kiya Young steal a bottle of alcohol? We see no evidence of that. Is she on the store's surveillance camera stealing the bottle of alcohol?  Was the bottle of alcohol found in her car or any other stolen item? She did not get her chance in court to respond to these accusations.


    Moreover, shooting and killing people does not stop theft. The police, the community, and all businesses must look at thefts and determine what action can give us the outcome we expect from activities used to prevent theft.


       We need to look at the various factors contributing to theft in America.  People steal for various reasons, but some of the most common ones are economic hardship, emotional or physical void, low self-esteem, peer-pressure, jealousy, or greed.  Some people steal to survive or to meet a basic need, while others steal for the thrill, to fill a gap in their lives, or to harm others. Stealing can also be influenced by social factors, such as feeling excluded or deprived.


        The community, the police, business, and the government must form a coalition and take a look at theft in this country and come up with a comprehensive anti-theft plan for all 

stakeholders (without the police or anyone else killing anyone).  For home break ins, FBI data indicate there were 903, 627 counts of burglary. Most residential burglaries happen during the day between 10 am and 3 pm. A person is home 27% of the time and someone is injured 7.2% of the time. Thieves steal jewelry, watches, wallets, cash, electronics, prescription drugs, cars and auto parts, clothes, furniture, bicycles. Property stolen in the US is around $971 million with only $54 million recovered. 


        Stolen vehicles cost owners over 8 billion dollars due to more than 1 million vehicles on average stolen every year in the USA. Not only do thieves steal your auto, they steal tires, wheels, tailgates, batteries, catalytic converters, airbags, third row seats, registration, garage door openers. If you leave  electronics, sunglasses, keys, smartphones, cash and coins in your car they can also be stolen.


       Shoplifting is a misdemeanor punishable by up to one year in county jail. But if the value of the items that you stole is relatively high (for example, above $2,000), then you could face a felony charge punishable by time in a state prison.


          More than two-thirds of states now treat shoplifting as a misdemeanor. if someone boosts less than $1,000 in goods, and 15 states have raised their limit to $1,500 or more. More than 70% of surveyed retailers reported that shoplifting spiked in their stores after these changes.

     Theft can be caused by wealth inequality and usually intensifies during or after a catastrophic event such as frequent bank robberies in the Public Enemy Era in 1930s,s and the great depression and a pandemic. Disfranchised groups are a factor such as persons participating in organized crime, and looting during an extreme climatic or public disturbance event.   Theft is often an Inflation response and a  moral contract disconnect (thy shalt not steal).

     The likelihood of apprehending shoplifters after the fact is relatively low, as only an estimated 5 to 10 percent of shoplifters are caught. Among those who are apprehended, not all are reported to the police, and even fewer receive sentences, which typically involve fines. Shoplifters are only caught about once out of every 48 times they steal — just over 2% of the time.


     Shoplifting is not a crime where the police need to use lethal force. Ask the person for their drivers license. Ask to search them or their vehicle, but if not tell them that you will see if they are on video engaging in shoplifting, then an arrest team will be sent to arrest them at any time. Their picture will be displayed on TV and on the police webpage, facebook page, on billboards and in the store and in addition they will be banned from certain stores. If they get out and show that they did not shoplift, then they will be let go.  If they did shoplift they will be given a citation to appear in court and if guilty will be fined, make restitution, and/or sentenced to community service.  This is what the community wants police response to be. 


          Moreover, it is concerning when the police captain cavalierly shrugged his shoulders and sanctioned the killing of  Ta'kiya Young and said,"she would not get out of the car after being told to get out multiple times". As a part of the establishment he is championing lethal violence and is sending a message to our young people that it is okay to kill for any reason. This attitude is a contributing factor in enabling violence in our country. Most ominously it is a return to medieval law circumventing the core of our country's justice system - your day in court.


         We want community, police and business response to use AIs and other techware internally and externally to stop theft. No one condones theft as it is costly for all of us.  As we move forward we want modern, smart policing. More training particularly in dealing with suspects who do not get out of the car when instructed or elude police.  More training so that police do not find themselves in split second decision situations like jumping in front of a car, then using it as an excuse to shoot a suspect. 


       With the changes we need to make now, the scenario with Ms. Young would have played out as follows: Stop then ask for license, registration and insurance. Tell her a theft has taken place and ask for permission to search her car for the stolen item. If she refuses, tell her she is going to be arrested and taken to the police station for suspicion of theft. The police person moves to the side. She is told how to get out of the car. If she does not get out, then use a flash smoke bomb projectile launched from the back of her car targeted near not at the suspect. The person should get out and the police person proceeds with the arrest. If the situation becomes more complicated, tag her and tell her to submit to arrest now or a special arrest team will pick her up.


     We can mirror Norway - no police killings or killings of police. We want a certain outcome when there is crime. We want to stop theft of any item period without killing people. that does not stop theft. We can use innovation, smart theft prevention techniques to stop theft, and not a bullet.











Solution 1. Make sure every person understands the law. It has become so complicated and convoluted that we need to teach government and law and what the penalties are for crimes in every state.  The Law and Government is taught in every grade pre-k through high school and on college and continuing education.  The police must detail to the person what law was violated. They must quote the statute as well, and allow the person to call their attorney on scene.

See example. 

The Virginia Assembly passed 1, 900 laws starting July 1, 2020.  These laws include.

Failing to move over on a four-lane highway if you're able to and there's a stationary emergency vehicle could land you a misdemeanor reckless driving charge, not just a traffic infraction.  The maximum penalties for a reckless driving conviction in Virginia are: Six (6) DMV points. $2,500 fine, 6 months driver's license suspension or 12 months jail time.

Sheriffs and jail administrators will be able to petition a court to authorize medical or mental health treatment for an inmate who is incapable of giving informed consent.

Holding a cellphone while driving in a highway work zone will be punishable by a $250 fine.

The bill increases the penalty for someone who causes serious bodily injury to someone while they're operating a boat or watercraft and drinking. The charge changes from a class 6 felony to a class 4 felony, punishable by two to 10 years in jail and up to a $100,000 fine.

Solution 2: Citizens can download a Law and Government APP to be used when stopped by the police. The app connects them to a public law group who will represent and speak to the officer on the person's behalf. The offense can be adjudicated on scene and a summons issued for court appearance with representation if necessary. This is an excellent way to defuse a situation and focus on the offense. 

Solution 3:  Police officers can not kill, murder by any means anyone. For example, they can not kill someone they deem suspicious, or if they deem someone meets the description of a person reported to have committed a crime. They may not approach the person, or pursue a person.  They may follow the person, photo or video the person.Find out more about the person using other electronic tools. 

Solution 4: The police may not use their vehicle to pursue anyone as these pursuits have resulted in the traffic deaths of thousands of innocent persons.  The police will be provided with technology to find and arrest person(s) using special team and special technology when required.

Solution 5: Establish a Law and Government Group to review all police training, all police, hiring practices, evaluations, promotions and union activity, as well as all laws and insure all citizens are informed and classes on Law and Government are taught in public and private schools. 

Solution 6:  Tools will be developed to enable AI traffic stops where the police do not get out of their vehicle to give a traffic ticket, but use a device.  The ticket can be adjudicated electronically on scene.

Solution 7: All domestic violence calls will require the police to send an AI into domestic altercations and persons involved are required to participate in ongoing relationship counseling or face fines and other penalties.

Solution 8:  Special training is given to a team to respond to mental health calls. Citizens relatives or friends will be trained how to respond to episodes and use tele-medicine for help.

Development of new tools to assist police officers and avoid police shootings or the shootings of police is constantly evolving until crime is prevented and significantly lowered in this country taking the US off the list of the most incarcerated and our minimizing crimes in our major cities.


Wednesday, July 11, 2018

Economic Wellbeing: Safe Neighborhood Surveillance

Economic Wellbeing
     The solution to poverty is to take the attributes of successful neighborhoods and implant them into challenged neighborhoods.   The one major factor which enables economic wellbeing is a safe neighborhood.
     The safest neighborhood in America according to Neighborhood Scout is Ridgefield, Connecticut.  If 100 is the safest then Ridgefield has a crime index of 97. Annually the city has one violent crime and 65 crimes against poverty.  The place with the highest crime rate is Andover, Massachusetts with a crime index of 65 out of 100. Andover had 8 violent crimes and 343 crimes against property. Violent crime is defined as murder and non-negligent manslaughter, forcible rape, robbery, and aggravated assault. The US average is 41.4.
  
      Taking a look at a city such as Baltimore, Maryland the crime index is 3 out of 100 with violent crimes at 8,499 and property crime rated at 29, 933. In this solution initiative, Brimingwith is treating neighborhoods in major cities as small towns.  Taking a look at the Sandtown neighborhood zipcodes are used to determine the crime rate where low crime on a scale of 100 is one.  Sandtown is on a high of 98.  Property Crime is 93.2.



Places with high crime ratings can lower their crime by becoming e-villages.

 E-villages install hidden and heavy surveillance with signs 
Extensive Surveillance notification 
3      Property and personal alarm systems
4      Neighborhood safety officer(s)






With the United Kingdom as one the biggest proponents of closed circuit televisions, installing CCTV is no longer an option, but a necessity for neighborhoods with high crime rating.  
A number of studies show e-surveillance with a defined length of duration reduces crime.

Education: Legislation


    
Below Brimingwith provides a sample of legislation which can be sent to state and US congress persons to enact. This legislation would enable a national education program providing equality quality education.





Committee:










Principal Author: Brimingwith.org
Bill No:
Delegation:


Title of Bill: United States of America National High School Diploma


Be It Enacted By The ____________________________________


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WHEREAS: Technology can improve the quality of education and avenues of access to education and expansion of education. The US Department of Education can provide online education pre-k thru 12th grade which upon completion will present a National High School Graduation Diploma.
 Among the 34 OECD Organization for Economic Co-operation and Development 
of the 65 countries and 510,000 students 15 years of age US ranks Number 35  in Math,  23 in Reading and 27 in Science on the  ( PISA)   Program for international Student Assessment  ( PISA)  test.
More than 1200 schools in the US are unaccredited.
Annually over 1.2 million students drop out of high school in the United States  That’s a student every 26 seconds – or 7,000 a day.
An estimated 5 million to 7.5 million U.S. students miss nearly a month of school each year. Chronic absenteeism signals poor performance and  for student dropping out of school.
Localities often experience a fifty percent teacher turnover in five years. Turnover impacts student performance.
The U.S. Department of Education estimates that over 100,000 students were expelled and 3,300,000 students were suspended at least once in the 2005-2006 school year.
In the U.S. high school dropouts commit 75% of all crimes.
One quarter (25%) of all high school students do not complete high school on time. Economic instability and lack of education lead to poverty and social inequality.
 In 2012 according to the US Census Bureau state and local governments spent $869.2 billion. The disparity in state and local education budget is reflected in the inequality or quality of education which is based on the ability of the locality to raise taxes. 
The available of technology enables the US Department of Education to provide a National High School diploma via local origination stations, via online channels, via DVD, via learning on demand. Teachers, students and parents and have access to uniform, quality education.  Access to education can be 7/24/365 geared toward careers and eliminates any dropout issues as the student can remain electronically linked  in multiple ways to education resources until a diploma is achieved.
Students may accelerate and move on to higher education as early at the ninth or tenth grade. Students who are expelled or suspended may continue their education curtailing related failure to return due to falling behind their grade and dropping out.
WHEREAS:  Due to severe budget cuts states require government assistance and support to ensure the equality quality of education for all students in school and after school. The US National School focuses on career preparation, practicums, simulations and portfolio building
Section I: Online pre-school can enable uniform, equality quality education for two year olds to six year olds. Pre-School basic math, vocabulary, reading, science, social science, fit (physical and mental health), global studies, languages (English, French, Spanish),  career information, simulations, practicum for each modular, portfolio (evidence loaded online) , pre-assessments, assessments, post assessments online.
Section II:  1st – 3rd grade  career information, science, technology, engineering and math, global studies,  languages,  career information, simulations, practicum for each modular, portfolio, pre-assessments, assessments, post assessments, student selects 3 career paths.
Section II: 4th – 6th grade- career information, science, technology, engineering and math, global studies,  languages, social science, career information, simulations and practicum for each modular, portfolio (evidence loaded online).
Section III: 7th-8th grade career information, science, technology, engineering and math, global studies, languages, social science career information, simulations and practicum for each modular, portfolio expansion (evidence loaded online).
Section IV: 9th – 12th grade career information, science, technology, engineering and math, global studies,  languages, social science, career studies, simulations, projects and practicum for each modular, portfolio expansion (evidence loaded online)
Section IV: Students may receive a diploma upon approval of completed test, projects and practicum. Online graduations are enabled.



Economic Wellbeing: Higher Income Fortune 500 Companies

   Americas Fortune 500 employ 27 million people.  When you are looking for higher income be sure to include these companies in your job search.  Using the list below go their website, find their career or human resources section then more than likely you will be required to fill out an online employment application.  Have a application already completed and then you can copy and paste your information into their application.


Median weekly earnings of the nation's 109.9 million full-time wage and salary
workers were
$825 in the fourth quarter of 2015 (not seasonally adjusted), the U.S.
Bureau of Labor Statistics reported today. This was 3.3 percent higher than a year
earlier, compared with a gain of 0.5 percent in the Consumer Price Index for All
Urban Consumers (CPI-U) over the same period.
Source: Bureau of Labor Statistics



"The per capita income for the overall population in 2008 was $26,964; for non-Hispanic Whites, it was $31,313; for Blacks, it was $18,406; for Asians, it was $30,292; and for Hispanics, it was $15,674."


Median household income was
$53,657 in 2014, ot statistically different in real terms from the 2013 median of $54,462 (Figure 1 and Table 1). This is the third consecutive year that the annual change was not statistically significant, following two consecutive years of annual declines in median household income.
Source U.S. Census Bureau

Housing Foreclosures


     Brimingwith research notes the US Housing markets repeats a cycle that first became noticeable in the 1990s.  The Resolution Trust Corporation (RTC) was a U.S. government-owned entity  established to liquidate insolvent Savings and Loans (S &Ls) caused by bad and sometimes fraudulent mortgage loans.  There are very few remaining S & Ls today.
http://www.marketplacelists.com/mutual_savings_banks.htm

     During a period from 1989-1996  interest rates at which S & Ls could borrow increased.  The S&Ls could not attract adequate capital from such sources as member deposits. They became insolvent. Rather than admit to insolvency, lax regulatory oversight allowed some S&Ls to invest in highly speculative investment strategies. This had the effect of extending the period where S&Ls were likely technically insolvent.  Fraud in the industry was rampant. Illegal land flips and other criminal activity ruled the day.  

     From the period from 1986-1995,more than half of the nation's Savings and Loans with total assets of more than $500 billion, had failed. By 1999, the crisis cost $160 billion, with taxpayers footing the bill for $132 billion with the S&L industry paying the rest.
This crisis accounted for a large part of the early 1990s budget deficits.  With our current economic crisis and having 26,000,000 Americans unemployed or underemployed, we repeated essentially what happened in the 80’s and 90’s. 

     In the current crisis fraud was unprecedented with sellers, buyers, and financial institutions inflating the price of properties, using straw buyers to purchase properties where they have no intention of making their residence and “no income, no assets” loans and sell of deficient subprime mortgage backed securities nearly wiping out an entire generation of pension plans.
    Although, the housing situation has improved with government bailouts and foreclosure prevention programs for homeowners. According to a HUD In all, more than 10.1 million mortgage modifications and other forms of mortgage assistance arrangements were completed between April 2009 and the end of November 2015.


      More than 2.5 million homeowner assistance actions have taken place through the Making Home Affordable Program, including nearly 1.6 million permanent modifications through the Home Affordable Modification Program (HAMP), while the Federal Housing Administration (FHA) has offered more than 3.0 million loss mitigation and early delinquency interventions through November. These Administration programs continue to encourage improved standards and processes in the industry, with lenders offering families and individuals more than 4.6 million proprietary modifications through October 2015.

     Now, not only are cities saddled with abandoned property as population diminished particularly in rust belt areas but they are now riddled in every zipcode with foreclosures.  



Codes requiring security and maintenance of properties




Higher Income - Cities with Lowest Income Research

Higher Income – Cities with lowest Income Research



Rank
Place
State
Popul.
2008-2012 Annual
Median Household Income
1

http://www.areavibes.com/blackwater-az/demographics/
AZ
1,062
$9,491
2

http://www.areavibes.com/muniz-tx/demographics/
TX
1,106
$11,711
3




KY
1,307
$12,361
4
University Park[Note 1]
NM
4,192
$12,788
5
MS
2,096
$12,806
6
TN
1,959
$13,060
7
NC
2,039
$13,505
8
LA
1,056
$13,693
9
LA
1,163
$13,711
10
TN
1,387
$13,719
11
TX
1,605
$13,750
12
LA
1,041
$14,328
13
LA
1,017
$14,479
14
GA
1,035
$14,583
15
LA
3,511
$14,662
16
KY
2,394
$14,916
17
GA
1,845
$15,186
18
AZ
1,713
$15,208
19
GA
1,328
$15,363
20
KY
1,615
$15,519
21
NM
1,664
$15,583
22
MS
1,873
$15,789
23
KY
1,518
$16,067
24
MS
1,223
$16,071
25
SC
3,471
$16,103
26
MS
2,229
$16,322
27
KY
1,621
$16,432
28
Boone[Note 1]
NC
17,122
$16,447
29
CA
1,006
$16,458
30
TX
1,210
$16,507
31
NC
1,213
$16,559
32
GA
1,007
$16,587
33
AL
1,029
$16,713
34
GA
1,107
$16,726
35
LA
1,192
$16,727
36
AL
3,485
$16,736
37
AZ
1,744
$16,914
38
SC
2,025
$16,976
39
IL
2,831
$16,977
40
MS
1,614
$17,083
41
FL
1,698
$17,188
42
AR
1,441
$17,212
43
SC
1,345
$17,212
44
CA
2,052
$17,228
45
MI
1,075
$17,321
46
FL
2,658
$17,361
47
MS
1,952
$17,391
48
GA
1,040
$17,483
49
AR
1,178
$17,614
50
AR
1,281
$17,614
51
MI
1,208
$17,621
52
AR
1,105
$17,721
53
Carbondale[Note 1]
IL
25,902
$17,743
54
KY
1,095
$17,750
55
MO
1,296
$17,750
56
MI
10,038
$17,766
57
Cullowhee[Note 1]
NC
6,228
$17,775
58
SC
4,873
$17,839
59
OH
2,272
$17,875
60
NC
3,583
$18,010
61
NC
1,688
$18,179
62
KY
1,077
$18,205
63
NC
2,973
$18,220
64
TX
3,285
$18,232
65
MS
1,159
$18,299
66
AL
1,702
$18,313
67
AR
1,372
$18,348
68
MS
2,768
$18,367
69
Athens[Note 1]
OH
23,832
$18,428
70
AR
2,269
$18,438
71
TX
3,935
$18,446
72
IL
2,002
$18,495
73
KY
2,080
$18,536
74
MS
1,386
$18,603
75
MS
1,067
$18,625
76
MS
1,638
$18,676
77
TX
1,917
$18,684
78
MO
2,939
$18,712
79
CA
3,371
$18,764
80
PA
2,122
$18,779
81
AR
2,316
$18,795
82
TN
1,495
$18,830
83
AL
2,486
$18,847
84
NC
2,426
$18,848
85
TX
1,225
$18,854
86
TX
4,981
$18,884
87
TX
2,321
$18,925
88
NC
1,534
$18,942
89
MS
2,086
$18,950
90
PA
1,228
$19,009
91
LA
2,198
$19,013
92
NM
3,194
$19,031
93
MI
4,084
$19,033
94
OH
1,239
$19,067
95
TX
2,108
$19,067
96
TX
1,622
$19,094
97
PA
2,061
$19,132
98
AZ
1,024
$19,138
99
CA
1,623
$19,167
100
LA
3,242
$19,172